Processing damaged items using image data lift

摘要

Methods, systems, and computer-readable media for processing damaged items using image data lift are presented. In some embodiments, a computing platform may receive image data of a deposit item. Subsequently, the computing platform may determine whether a magnetic ink character recognition (MICR) line of the deposit item is readable. If the MICR line is not readable, the computing platform may perform an image data lift on the image data to extract information from one or more visible fields of the deposit item. Then, the computing platform may identify a payor of the deposit item based on the extracted information and may determine whether the deposit item is an on-us item. If the deposit item is an on-us item, the computing platform may rebuild MICR information for the deposit item. Thereafter, the computing platform may process the deposit item for deposit based on the rebuilt MICR information.

主权项

1. A system, comprising:
at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to:
receive, via the communication interface, and from a computing device, image data of a deposit item captured by the computing device;determine whether a magnetic ink character recognition (MICR) line of the deposit item is readable based on the image data of the deposit item captured by the computing device;if the MICR line of the deposit item is readable, process the deposit item for deposit based on the MICR line of the deposit item; andif the MICR line of the deposit item is not readable:
perform an image data lift on the image data of the deposit item to extract information from one or more visible fields of the deposit item;identify a payor of the deposit item based on the information extracted from the one or more visible fields of the deposit item;determine, based on the payor of the deposit item, whether the deposit item is an on-us item, wherein the deposit item is an on-us item if the deposit item is drawn on a financial institution that operates the system;if the deposit item is not an on-us item, reject the deposit item; andif the deposit item is an on-us item:
rebuild MICR information for the deposit item based on the payor of the deposit item identified based on the information extracted from the one or more visible fields of the deposit item; and process the deposit item for deposit based on the MICR information for the deposit item rebuilt based on the payor of the deposit item identified based on the information extracted from the one or more visible fields of the deposit item.